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The Journal of Corporate Finance aims to publish high quality, original manuscripts that analyze issues related to corporate finance. Contributions can be of a  December 2002 , Volume 22, Issue 3, pp 203–224 | Cite as Credit risk problem loans commercial and savings banks. Download to read the full article text. December 2002 , Volume 22, Issue 3, pp 203–224 | Cite as Credit risk problem loans commercial and savings banks. Download to read the full article text. Keywords: HRM, HR Challenges; Public Sector banks; HRM issues in PSB's. 1. http://www.vikalpa.com/pdf/articles/2003/2003_july_sep_83_99.pdf (May, 15,